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When you open a new line of credit, a few immediate changes are usually made to your credit report.

Being aware of your credit score will help you understand your financial standing and give you the ability to know what next steps to take to improve it.

We use Trans Union (Vantage Score) to show you what’s impacting your credit score, if you are overpaying on your loans and credit cards, and how your financial picture compares to your peers.

Some of the more popular sites will even say that they have free ecards until you go to send it, and then they try to charge you a membership fee.

Here are some excellent websites, some of which you might not have heard of, that have a large selection of high quality, completely free ecards for you to send to all your friends and family.

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